The Best Credit Cards in Philippines For 2023
From sign-up bonuses, generous rewards to no annual fees, WalletWalk’s best credit cards outshine the rest. Check out our top picks and offers from our partners and you will surely find the credit card that suits you best.
Best Rewards Credit Cards
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Citi Rewards Mastercard
Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 point for every ₱30 spent
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1 point for every ₱30 spent
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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Citi Grab Card
Best for Rewards, Shopping, Groceries, Dining, Entertainment
Main Feature
Platinum Tier upgrade and benefits for first 6 months
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Platinum Tier upgrade and benefits for first 6 months
Annual Fees
₱3,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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HSBC Red Mastercard
Best for Shopping, Dining, Fuel
Main Feature
Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.
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Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.
Annual Fees
₱1,500
Monthly Interest Rate
3.5%
Min Annual Income
₱200000
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Best Cash Back Credit Cards
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EastWest Dolce Vita Titanium MasterCard
Best for Shopping, Dining, Rewards
Main Feature
1 Dolce Vita Charm per ₱100 spend
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1 Dolce Vita Charm per ₱100 spend
Annual Fees
₱2,000
Monthly Interest Rate
3.5%
Min Annual Income
₱300,000
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HSBC Gold Visa Cash Back Credit Card
Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment, Fuel
Main Feature
Up to 5% cash back on dining and 0.5% cash back on all others.
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Up to 5% cash back on dining and 0.5% cash back on all others.
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱200000
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The American Express Cashback Credit Card
Best for Cash Back, Shopping, Groceries, Dining, Bill Payment
Main Feature
Up to 5% cashback for first 3 months and 1% cashback thereafter.
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Up to 5% cashback for first 3 months and 1% cashback thereafter.
Annual Fees
₱3,000
Monthly Interest Rate
3.5%
Min Annual Income
₱420000
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Best Travel Credit Cards
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Citi Premiermiles Card
Best for Travel, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 never-expiring PremierMile for every ₱30 spent
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1 never-expiring PremierMile for every ₱30 spent
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱360000
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HSBC Platinum Visa Credit Card
Best for Travel, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 air mile for as low as every ₱25 spent
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1 air mile for as low as every ₱25 spent
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱500000
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RCBC Bankard Visa Platinum
Best for Travel, Shopping, Groceries, Bill Payment, Fuel
Main Feature
1 Preferred Air Mile per ₱25 overseas spend/₱48 local spend
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1 Preferred Air Mile per ₱25 overseas spend/₱48 local spend
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱498,000
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Best No Annual Fee Credit Cards
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Citi Simplicity+ Card
Best for No Annual Fee
Main Feature
No annual fee or late payment fee for the entire duration of usage
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No annual fee or late payment fee for the entire duration of usage
Annual Fees
No Fee
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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AUB Easy MasterCard
Best for No Annual Fee, Rewards
Main Feature
No annual fee for life and 1 Rewards Point per ₱20 spend
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No annual fee for life and 1 Rewards Point per ₱20 spend
Annual Fees
No Fee
Monthly Interest Rate
3.5%
Min Annual Income
₱252,000
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AUB Classic MasterCard
Best for No Annual Fee, Shopping, Easy Approval, Rewards
Main Feature
No annual fee for life and 1 Rewards Point per ₱20 spend
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No annual fee for life and 1 Rewards Point per ₱20 spend
Annual Fees
No Fee
Monthly Interest Rate
3.5%
Min Annual Income
₱252,000
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Best Shopping Credit Cards
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HSBC Red Mastercard
Best for Shopping, Dining, Fuel
Main Feature
Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.
+ See MoreMain Feature
Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.
Annual Fees
₱1,500
Monthly Interest Rate
3.5%
Min Annual Income
₱200000
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BDO ShopMore MasterCard
Best for Shopping, Easy Approval, Rewards
Main Feature
0.50 Peso Point per ₱200 spend
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0.50 Peso Point per ₱200 spend
Annual Fees
₱1,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180,000
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Metrobank Femme Signature Visa
Best for Shopping, Rewards
Main Feature
1 Rewards Point per ₱20 spend
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1 Rewards Point per ₱20 spend
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱800,000
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Best Dining Credit Cards
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HSBC Gold Visa Cash Back Credit Card
Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment, Fuel
Main Feature
Up to 5% cash back on dining and 0.5% cash back on all others.
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Up to 5% cash back on dining and 0.5% cash back on all others.
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱200000
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Citi Rewards Mastercard
Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 point for every ₱30 spent
+ See MoreMain Feature
1 point for every ₱30 spent
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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EastWest Visa Platinum Credit Card
Best for Shopping, Dining, Entertainment, Rewards
Main Feature
3% Cash Rewards for spending at department stores and dining
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3% Cash Rewards for spending at department stores and dining
Annual Fees
₱2,750
Monthly Interest Rate
3.5%
Min Annual Income
₱480,000
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Best Gorceries Credit Cards
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Citi Cash Back Mastercard
Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
Up to 6% cashback on supermarket purchases and 0.2% on all others
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Up to 6% cashback on supermarket purchases and 0.2% on all others
Annual Fees
₱3500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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Security Bank Complete Cashback MasterCard
Best for Cash Back, Shopping, Groceries, Dining, Bill Payment, Fuel
Main Feature
Up to 5% cashback on essential expenses
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Up to 5% cashback on essential expenses
Annual Fees
₱3,000
Monthly Interest Rate
3.50%
Min Annual Income
₱360,000
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RCBC Bankard Flex Visa
Best for Shopping, Groceries, Dining, Fuel, Rewards
Main Feature
2 Rewards points per ₱50 spent on two choice categories
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2 Rewards points per ₱50 spent on two choice categories
Annual Fees
₱1,500
Monthly Interest Rate
3.5%
Min Annual Income
₱250,000
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Best Fuel / Petrol Credit Cards
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Citi Shell Card
Best for Fuel, Shopping, Groceries, Dining, Entertainment, Bill Payment, Cash Back
Main Feature
Get up to 5% rebate on Shell Fuel purchases
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Get up to 5% rebate on Shell Fuel purchases
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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HSBC Advance Visa Credit Card
Best for Rewards, Shopping, Fuel
Main Feature
Up to 4x faster rewards when shopping online
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Up to 4x faster rewards when shopping online
Annual Fees
₱2,500
Monthly Interest Rate
3.2%
Min Annual Income
₱200000
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EastWest Hyundai MasterCard
Best for Fuel, Easy Approval, Cash Back
Main Feature
5% rebate on fuel purchases
+ See MoreMain Feature
5% rebate on fuel purchases
Annual Fees
₱2,000
Monthly Interest Rate
3.5%
Min Annual Income
₱180,000
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